An AOR, or agent of record, is an individual or legal entity with a contractual agreement with an insurance policy owner, giving them legal authority to represent the insured party and manage an insurance policy on their behalf. An AOR can also be an individual health insurance agent designated by the policy owner to represent them and manage their insurance policy. In addition, an AOR can be an entity that acts on behalf of an insured party, handling compliance, invoicing, and back-office tasks, and taking care of the nitty-gritty of contractor relationships.

An AOR can help policy owners save time and focus on strategic aspects of their business, make smart, cost-effective decisions regarding employee benefits, and deal directly with the insurance company, without the need for the company to interact with the designated insurer. An AOR letter is only needed for businesses with existing policies that want to work with someone new or need help finding new policies.

In research ethics and compliance, AOR stands for Authorized Organizational Representative, which refers to an office such as the Office of Sponsored Projects (ORSP) .